{"id":7917,"date":"2022-10-05T12:07:45","date_gmt":"2022-10-05T16:07:45","guid":{"rendered":"https:\/\/peakinsuranceadvisors.com\/?p=7917"},"modified":"2022-10-05T12:18:40","modified_gmt":"2022-10-05T16:18:40","slug":"employers-face-higher-health-care-premiums-in-2023","status":"publish","type":"post","link":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/","title":{"rendered":"Employers face higher health care premiums in 2023"},"content":{"rendered":"

Employers face higher health care premiums in 2023<\/h1>\n

Please note:<\/strong> This piece was taken from a recent Newsday article in an interview with James Eckardt, President of Peak Advisors. View original article<\/a><\/p>\n

Health insurance\u00a0costs for businesses are increasing yet again for 2023.<\/p>\n

In the small-group market, which covers employers with 1 to 100 employees, New York State regulators approved a 7.9% average premium increase for 2023, higher than the 7.6% approved for 2022, but much less than the 16.5% insurers had requested.<\/p>\n

Larger firms, where rates are individually set with carriers, project their health care costs will jump 6% next year compared with an average 5% increase they\u2019re experiencing this year, according to a recent survey by WTW,\u00a0a global human resources consultancy.<\/p>\n

Still, those modest increases are better than expected by many experts who say the effects of inflation have yet to be seen. \u201cI think we\u2019ll see inflation play out in benefit costs over the course of three years,\u201d says Dr. Jeff Levin-Scherz,\u00a0a Boston-based managing director and the population health leader at WTW.<\/p>\n

He explained there are many multiyear contracts between insurers and providers \u2014\u00a0largely hospital systems \u2014 still in effect that were negotiated before current inflationary times and don\u2019t yet reflect higher reimbursement levels.<\/p>\n

It\u2019s when contracts come up for renewal that we\u2019ll see the real impact of inflation on health care benefit costs, Levin-Scherz says.<\/p>\n

James Eckardt, President of Peak Advisors Inc.,<\/a> a Holtsville-based health insurance broker, agrees. \u201cI still have concerns about future-year rate increases, he says. He too said carriers typically enter into multiyear contracts with hospitals and provider groups.<\/p>\n

\u201cThe concern is when these contracts come up for renewal in future years, the extremely high inflation rate affecting us all will catch up to these medical contracts, causing an increase in the cost of care, and in turn an increase in premiums,\u201d Eckardt says.<\/p>\n

Happily below expectations<\/h3>\n

In the meantime, the small scale of 2023 projected increases came as a surprise to many.<\/p>\n

\u201cI think most people were expecting a much higher increase only because of the inflationary pressure we\u2019ve experienced,\u201d says Gregg Pajak, Managing Partner and Founder of the WizdomOne Group in Melville, providing wealth, insurance and benefit advice to business owners.<\/p>\n

And some may experience that still.<\/p>\n

The 7.9% for small groups is an average across multiple insurance carriers and plans statewide, Pajak says. \u201cCarriers could have plans higher or lower,\u201d he says.<\/p>\n

Lisa Robertson, co-founder of the Sexy Salad in Hauppauge, says she\u2019s been quoted double-digit increases in recent years.<\/p>\n

While she offers their employees\u2019 health plans, none ever opt to participate in the plans due to the high\u00a0costs for the employees’ share. Instead they get insurance other ways, including going on their spouses’ plans, she says.<\/p>\n

ACA marketplace<\/h3>\n

Robertson and her husband, John, this year opted to get their insurance though the state insurance marketplace set up under the federal Affordable Care Act, New York State of Health. The rates she said are a bit better than the private market. But \u201cevery year they keep going up,\u201d Robertson says.<\/p>\n

On top of managing costs, 42% of employer respondents cite managing employee affordability as a top priority, according to the WTW survey.<\/p>\n

With that said,\u00a0a lot of employers as one solution \u201care looking to offer health plans that might offer a trade-off of access to fewer hospitals and doctors for lower cost of care,\u201d Levin-Scherz says.<\/p>\n

Narrow networks are smaller networks offered by carriers that provide cost savings by limiting the number of providers and thus allowing them to negotiate lower reimbursements that result in lower overall premiums, Eckardt says.<\/p>\n

Examples include Empire BCBS Connection network<\/a>, UHC\/Oxford Metro network<\/a>, and HealthFirst Pro EPO<\/a> network, he says.<\/p>\n

Other solutions say Pajak include making sure their employees are aware of all their health care options. Older employees may find it more affordable to look into Medicare and purchasing a supplemental plan instead of taking the employer\u2019s coverage, he says.<\/p>\n

Other companies add\u00a0spousal surcharges for employees that add on a working spouse to their coverage\u00a0and practice \u201csalary banding,\u201d offering\u00a0a higher health care subsidy to lower-wage workers, says Levin-Scherz.<\/p>\n

\u201cEmployers need to recognize there are large upward pressures in health care and put in place initiatives to counter those increases to keep health care affordable for employees and their business,\u201d he says.<\/p>\n","protected":false},"excerpt":{"rendered":"

Employers face higher health care premiums in 2023 Please note: This piece was taken from a recent Newsday article in an interview with James Eckardt, President of Peak Advisors. View original article Health insurance\u00a0costs for businesses are increasing yet again for 2023. In the small-group market, which covers employers with 1 to 100 employees, New […]<\/p>\n","protected":false},"author":5,"featured_media":7919,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"mc4wp_mailchimp_campaign":[],"footnotes":""},"categories":[1509,1746],"tags":[3627,3626,157],"class_list":["post-7917","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance-for-small-business-owners-in-ny","category-small-business-health-insurance-rates-ny","tag-2023-ny-small-buiness-health-insurance-premiums","tag-2023-ny-small-buiness-health-insurance-rates","tag-small-group-health-insurance"],"yoast_head":"\nEmployers face higher health care premiums in 2023 - New York Health Insurance - Affordable Small Business Health Plans<\/title>\n<meta name=\"description\" content=\"Peak Advisors specializes in affordable small group health insurance \/ small business health insurance plans and is here to assist you in comparing, obtaining, and servicing all of your New York business insurance needs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Employers face higher health care premiums in 2023\" \/>\n<meta property=\"og:description\" content=\"Peak Advisors specializes in affordable small group health insurance \/ small business health insurance plans and is here to assist you in comparing, obtaining, and servicing all of your New York business insurance needs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/\" \/>\n<meta property=\"og:site_name\" content=\"New York Health Insurance - Affordable Small Business Health Plans\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PeakAdvisorsInc\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-10-05T16:07:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-10-05T16:18:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2022\/10\/PeakAdvisors-Blog_Image-logo-wide.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"900\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Peak Advisors\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@peakadvisorsinc\" \/>\n<meta name=\"twitter:site\" content=\"@peakadvisorsinc\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Peak Advisors\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/\"},\"author\":{\"name\":\"Peak Advisors\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/#\/schema\/person\/5c29451e0210578ef3ba2fe56a63f990\"},\"headline\":\"Employers face higher health care premiums in 2023\",\"datePublished\":\"2022-10-05T16:07:45+00:00\",\"dateModified\":\"2022-10-05T16:18:40+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/\"},\"wordCount\":726,\"publisher\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2022\/10\/PeakAdvisors-Blog_Image-logo-wide.jpg\",\"keywords\":[\"2023 NY small buiness health insurance premiums\",\"2023 NY small buiness health insurance rates\",\"small group health insurance\"],\"articleSection\":[\"Health Insurance For Small Business Owners In NY\",\"Small Business Health Insurance Rates NY\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/\",\"url\":\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/\",\"name\":\"Employers face higher health care premiums in 2023 - New York Health Insurance - Affordable Small Business Health Plans\",\"isPartOf\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2022\/10\/PeakAdvisors-Blog_Image-logo-wide.jpg\",\"datePublished\":\"2022-10-05T16:07:45+00:00\",\"dateModified\":\"2022-10-05T16:18:40+00:00\",\"description\":\"Peak Advisors specializes in affordable small group health insurance \/ small business health insurance plans and is here to assist you in comparing, obtaining, and servicing all of your New York business insurance needs.\",\"breadcrumb\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#primaryimage\",\"url\":\"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2022\/10\/PeakAdvisors-Blog_Image-logo-wide.jpg\",\"contentUrl\":\"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2022\/10\/PeakAdvisors-Blog_Image-logo-wide.jpg\",\"width\":900,\"height\":300,\"caption\":\"Small business health insurance 2024 rates\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/peakinsuranceadvisors.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Employers face higher health care premiums in 2023\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/#website\",\"url\":\"https:\/\/peakinsuranceadvisors.com\/\",\"name\":\"New York Health Insurance - Affordable Small Business Health Plans\",\"description\":\"Affordable NY Health Insurance Small Business Health Plans\",\"publisher\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/peakinsuranceadvisors.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":[\"Organization\",\"Place\",\"InsuranceAgency\"],\"@id\":\"https:\/\/peakinsuranceadvisors.com\/#organization\",\"name\":\"Peak Advisors, Inc.\",\"url\":\"https:\/\/peakinsuranceadvisors.com\/\",\"logo\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#local-main-organization-logo\"},\"image\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#local-main-organization-logo\"},\"sameAs\":[\"https:\/\/www.facebook.com\/PeakAdvisorsInc\/\",\"https:\/\/x.com\/peakadvisorsinc\",\"https:\/\/www.linkedin.com\/in\/peakadvisors\",\"https:\/\/www.youtube.com\/channel\/UCdZrXsnNGsjyapWagZyoJRw\/featured\"],\"address\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#local-main-place-address\"},\"telephone\":[\"(631) 207-1800\"],\"openingHoursSpecification\":[{\"@type\":\"OpeningHoursSpecification\",\"dayOfWeek\":[\"Monday\",\"Tuesday\",\"Wednesday\",\"Thursday\",\"Friday\"],\"opens\":\"09:00\",\"closes\":\"17:00\"},{\"@type\":\"OpeningHoursSpecification\",\"dayOfWeek\":[\"Saturday\",\"Sunday\"],\"opens\":\"00:00\",\"closes\":\"00:00\"}],\"email\":\"info@peakinsuranceadvisors.com\",\"faxNumber\":\"(631) 207-4370\",\"areaServed\":\"New York, Long Island and New York City\",\"currenciesAccepted\":\"USD\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/#\/schema\/person\/5c29451e0210578ef3ba2fe56a63f990\",\"name\":\"Peak Advisors\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/14c7ef135f0f8d7138e0dde7367a6ee1?s=96&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/14c7ef135f0f8d7138e0dde7367a6ee1?s=96&r=g\",\"caption\":\"Peak Advisors\"},\"url\":\"https:\/\/peakinsuranceadvisors.com\/author\/pai-manage\/\"},{\"@type\":\"PostalAddress\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#local-main-place-address\",\"streetAddress\":\"162 Long Island Ave. #2\",\"addressLocality\":\"Holtsville\",\"postalCode\":\"11742\",\"addressRegion\":\"NY\",\"addressCountry\":\"US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#local-main-organization-logo\",\"url\":\"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2017\/01\/peak_advisors_logo_vert.png\",\"contentUrl\":\"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2017\/01\/peak_advisors_logo_vert.png\",\"width\":200,\"height\":100,\"caption\":\"Peak Advisors, Inc.\"}]}<\/script>\n<meta name=\"geo.placename\" content=\"Holtsville\" \/>\n<meta name=\"geo.region\" content=\"United States (US)\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Employers face higher health care premiums in 2023 - New York Health Insurance - Affordable Small Business Health Plans","description":"Peak Advisors specializes in affordable small group health insurance \/ small business health insurance plans and is here to assist you in comparing, obtaining, and servicing all of your New York business insurance needs.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/","og_locale":"en_US","og_type":"article","og_title":"Employers face higher health care premiums in 2023","og_description":"Peak Advisors specializes in affordable small group health insurance \/ small business health insurance plans and is here to assist you in comparing, obtaining, and servicing all of your New York business insurance needs.","og_url":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/","og_site_name":"New York Health Insurance - Affordable Small Business Health Plans","article_publisher":"https:\/\/www.facebook.com\/PeakAdvisorsInc\/","article_published_time":"2022-10-05T16:07:45+00:00","article_modified_time":"2022-10-05T16:18:40+00:00","og_image":[{"width":900,"height":300,"url":"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2022\/10\/PeakAdvisors-Blog_Image-logo-wide.jpg","type":"image\/jpeg"}],"author":"Peak Advisors","twitter_card":"summary_large_image","twitter_creator":"@peakadvisorsinc","twitter_site":"@peakadvisorsinc","twitter_misc":{"Written by":"Peak Advisors","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#article","isPartOf":{"@id":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/"},"author":{"name":"Peak Advisors","@id":"https:\/\/peakinsuranceadvisors.com\/#\/schema\/person\/5c29451e0210578ef3ba2fe56a63f990"},"headline":"Employers face higher health care premiums in 2023","datePublished":"2022-10-05T16:07:45+00:00","dateModified":"2022-10-05T16:18:40+00:00","mainEntityOfPage":{"@id":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/"},"wordCount":726,"publisher":{"@id":"https:\/\/peakinsuranceadvisors.com\/#organization"},"image":{"@id":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#primaryimage"},"thumbnailUrl":"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2022\/10\/PeakAdvisors-Blog_Image-logo-wide.jpg","keywords":["2023 NY small buiness health insurance premiums","2023 NY small buiness health insurance rates","small group health insurance"],"articleSection":["Health Insurance For Small Business Owners In NY","Small Business Health Insurance Rates NY"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/","url":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/","name":"Employers face higher health care premiums in 2023 - New York Health Insurance - Affordable Small Business Health Plans","isPartOf":{"@id":"https:\/\/peakinsuranceadvisors.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#primaryimage"},"image":{"@id":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#primaryimage"},"thumbnailUrl":"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2022\/10\/PeakAdvisors-Blog_Image-logo-wide.jpg","datePublished":"2022-10-05T16:07:45+00:00","dateModified":"2022-10-05T16:18:40+00:00","description":"Peak Advisors specializes in affordable small group health insurance \/ small business health insurance plans and is here to assist you in comparing, obtaining, and servicing all of your New York business insurance needs.","breadcrumb":{"@id":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#primaryimage","url":"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2022\/10\/PeakAdvisors-Blog_Image-logo-wide.jpg","contentUrl":"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2022\/10\/PeakAdvisors-Blog_Image-logo-wide.jpg","width":900,"height":300,"caption":"Small business health insurance 2024 rates"},{"@type":"BreadcrumbList","@id":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/peakinsuranceadvisors.com\/"},{"@type":"ListItem","position":2,"name":"Employers face higher health care premiums in 2023"}]},{"@type":"WebSite","@id":"https:\/\/peakinsuranceadvisors.com\/#website","url":"https:\/\/peakinsuranceadvisors.com\/","name":"New York Health Insurance - Affordable Small Business Health Plans","description":"Affordable NY Health Insurance Small Business Health Plans","publisher":{"@id":"https:\/\/peakinsuranceadvisors.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/peakinsuranceadvisors.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":["Organization","Place","InsuranceAgency"],"@id":"https:\/\/peakinsuranceadvisors.com\/#organization","name":"Peak Advisors, Inc.","url":"https:\/\/peakinsuranceadvisors.com\/","logo":{"@id":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#local-main-organization-logo"},"image":{"@id":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#local-main-organization-logo"},"sameAs":["https:\/\/www.facebook.com\/PeakAdvisorsInc\/","https:\/\/x.com\/peakadvisorsinc","https:\/\/www.linkedin.com\/in\/peakadvisors","https:\/\/www.youtube.com\/channel\/UCdZrXsnNGsjyapWagZyoJRw\/featured"],"address":{"@id":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#local-main-place-address"},"telephone":["(631) 207-1800"],"openingHoursSpecification":[{"@type":"OpeningHoursSpecification","dayOfWeek":["Monday","Tuesday","Wednesday","Thursday","Friday"],"opens":"09:00","closes":"17:00"},{"@type":"OpeningHoursSpecification","dayOfWeek":["Saturday","Sunday"],"opens":"00:00","closes":"00:00"}],"email":"info@peakinsuranceadvisors.com","faxNumber":"(631) 207-4370","areaServed":"New York, Long Island and New York City","currenciesAccepted":"USD"},{"@type":"Person","@id":"https:\/\/peakinsuranceadvisors.com\/#\/schema\/person\/5c29451e0210578ef3ba2fe56a63f990","name":"Peak Advisors","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/peakinsuranceadvisors.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/14c7ef135f0f8d7138e0dde7367a6ee1?s=96&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/14c7ef135f0f8d7138e0dde7367a6ee1?s=96&r=g","caption":"Peak Advisors"},"url":"https:\/\/peakinsuranceadvisors.com\/author\/pai-manage\/"},{"@type":"PostalAddress","@id":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#local-main-place-address","streetAddress":"162 Long Island Ave. #2","addressLocality":"Holtsville","postalCode":"11742","addressRegion":"NY","addressCountry":"US"},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2023\/#local-main-organization-logo","url":"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2017\/01\/peak_advisors_logo_vert.png","contentUrl":"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2017\/01\/peak_advisors_logo_vert.png","width":200,"height":100,"caption":"Peak Advisors, Inc."}]},"geo.placename":"Holtsville","geo.region":"United States (US)"},"_links":{"self":[{"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/posts\/7917","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/comments?post=7917"}],"version-history":[{"count":6,"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/posts\/7917\/revisions"}],"predecessor-version":[{"id":7925,"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/posts\/7917\/revisions\/7925"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/media\/7919"}],"wp:attachment":[{"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/media?parent=7917"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/categories?post=7917"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/tags?post=7917"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}